When planning a bathroom remodel, most homeowners are surprised to discover that the most expensive element isn't the tile or even the bathtub—it’s the labor and plumbing. Relocating pipes, installing fixtures, and ensuring everything meets code can quickly eat up your budget. High-end finishes and custom cabinetry also add to the cost, but it’s the behind-the-walls work that really adds up. Understanding where your money goes helps you plan smarter and avoid costly surprises.